Involuntary Loss of Employment Policy

Part I - Policy Terms and Conditions

I. Definitions

The following terms shall have the meanings ascribed thereto, unless the context indicates otherwise:

Insured/ Beneficiary: The Worker/Employee who works in the Privat Sector in the Country or the Federal Government Sector
and is eligible for the Claim Settlement/Payment in accordance with the provisions of the Decree-Law and the Cabinet Resolutions
regulating the Unemployment Insurance Scheme and the conditions within this Policy.

Insurer: Dubai Insurance Company in addition to the members of the Insurance Pool listed in the Policy Schedule.

Insurance Certificate: The document issued to the covered Worker/ Employee that confirms the Insurance Coverage and
summarizes the main terms and conditions of the Insurance Policy for example the Certificate number and the Unified Identity
(UID) number.

Eligibility Conditions/ Criteria: The conditions that must be met for the Worker/ Employee to be eligible for the Insurance
Coverage stipulated under this Insurance Policy.

Subscription and Premium Collection Channels: The methods made available by the Insurer and approved by the Ministry of
Human Resources and Emiratisation (MOHRE) for the subscription and Premium collection

Insurance Premium: The amount payable by the Insured to the Insurer in consideration of the Insurance Coverage and paid in
accordance with the payment plan agreed upon and specified in the Policy Schedule.

Policy Period/ Insurance Certificate Period: A period of no less than twelve (12) months that starts from the Policy / Insurance
Certificate Inception Date and ends with the Policy / Insurance Certificate Expiry Date and is automatically renewed for the
duration of the Worker/Employee’s service period in the Country provided that the Insured is compliant with the subscription
and Insurance Premium settlement in accordance with the terms and conditions approved by the Ministry.
Unemployment: The loss of work due to the termination of the service of the Insured with the Employer in accordance with the
provisions of the Decree-Law and the Cabinet Resolutions regulating the Unemployment Insurance Scheme.

Unemployment date: The date of unemployment resulting from the termination of the service of the Insured with his Employer
in accordance with the provisions of the Decree-Law and the Cabinet Resolutions regulating the Unemployment Insurance
Scheme.

Claim: The application made by the Insured to receive the benefit amount in case of Unemployment.

Claim(s) Settlement/Payment: Payment of the benefit that the Insured is eligible for in case of Unemployment in accordance
with the provisions of the Decree-Law and the Cabinet Resolutions regulating the Unemployment Insurance Scheme and the
Insurance Policy.

Administrator: The relevant department at Dubai Insurance Co. that can be contacted for clarifications or questions regarding
this Policy.
The Administrator can be reached by phone at 600599555 or mail at PO Box 3027, Dubai, UAE, or Email: ILOEHELP@DUBINS.AE

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The Administrator shall represent the Subscribing Insurers in respect of implementation of this Policy.

II. Insurance Coverage Preamble

This Policy was issued pursuant to Decree-Law No. 13 of 2022 regarding Unemployment Insurance and Cabinet Resolution No. 97
of 202 regarding the mechanisms and controls for implementing Unemployment Insurance and is subject to all terms and
conditions contained therein.

Whereas the Insured has submitted to the Insurer an application for Unemployment Insurance, and in return for the Insurance
Premium paid or committed to be paid by the Insured the Insurer agrees to compensate the Insured against Unemployment
during the term of the Insurance Certificate issued under this Policy.

Without prejudice to the Eligibility Criteria and Exclusions stipulated hereinbelow, the Insurer shall compensate the Insured for
the Claim by paying the benefit amount stated in the Policy Schedule.
If the terms and conditions of the Insurance Policy are met; the Insured becomes entitled to the Insurance Coverage stipulated
in this Policy after twelve (12) months have passed from the date of the subscription provided that there is no interruption of
subscription for more than three months. The Insurer’s obligation to provide Insurance Coverage ends if any of the following are
met:
1. Reaching the Maximum Aggregate Limit (during the Insurance Certificate/s Period over the entire work life of the Insured
in the United Arab Emirates).
2. In the event of the death of the Insured, the Insurance Coverage ends on the date of death.

III. Insurance Premium Settlement

1. Where it has been agreed to pay the Insurance Premium in specific payments linked to a time schedule (monthly, quarterly,
semi-annually, or annually), the Insured shall be obligated to pay the due payments according to the agreed time schedule
and within a maximum of 90 days from the payment due date. The Insurance Certificate shall be considered cancelled if the
Insured fails to make any payment for more than 90 days from its due date. The Insured shall also bear all fines and penalties
according to the legislation in force; and shall in this case be deemed to have an interruption of the subscription.
2. The Insured shall not be obligated to pay the remainder of the Insurance Premium for the Insurance Certificate Period in
the event of cancelling the Insurance Certificate and re-subscribing after cancellation, with the exception of the amounts
due for the period of non-payment prior to the cancellation of the Insurance Certificate.
3. The insured is not obligated to pay the Insurance Premium following the end of the Claim Payment in the event of the
termination of the labour relationship.
4. No part of the paid Insurance Premium will be refunded in the event of cancellation of the Insurance Certificate.
5. In the event that an abscondment complaint is invalidated by the resumption of the labour relationship or the cancellation
of the work permit, the Insured is obligated to pay the overdue Insurance Premium within a maximum period of three
months.
6. The Insured whose labour complaint was referred to the judiciary is obligated to continue to pay the Insurance Premium as
long as the work permit is valid.
7. In the event of a change in the Worker’s Basic Wage/ Salary as documented in the work contract (increase), the Insured,
upon his request, pays the increase in the Insurance Premium applicable to previous and the subsequent payments,
provided that the Insurance Certificate Period remains unchanged.

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 IV. Insurance Premium Payment Options & Subscription/ Premium Collection Channels

1- Insurance Pool Website and smart 5- Banks and Banking Applications

application
2- Kiosks and ATMs 6- Telecom Companies Bill (DU and Etisalat)
3- Businessmen Service Centers 7- SMS
4- Exchange Companies 8- Any other channel agreed between the
Ministry and the Insurance Pool

Premium Payment Options

o Monthly payment basis
o Quarterly payment basis
o Semi-annual payment basis
o Annual payment basis

V. Coverage Limits

1. Maximum Monthly Limit: 60% of Basic Salary/Wage (calculated based on the average Basic Salary/Wage of the last 6 months
prior to Unemployment) and for a maximum of three (3) months per Claim from the date of Unemployment, whereby the
Maximum Monthly Limit does not exceed AED 10,000 and AED 20,000 for the first and second categories respectively.
2. The Worker whose remuneration is on commission basis may choose the subscription category if the Basic Salary/Wage is
unspecified in the labour offer and contract.
3. The maximum benefit for any one Claim is three (3) months. The aggregate Claim shall not exceed 12 months over the entire
service period of the Insured in the Country.
4. In the event that the Insured exhausts the Maximum Claim Limit determined to be three (3) months during the Insurance
Certificate Period, whether through one or several Claims, the Insurance Certificate shall be considered cancelled.
5. In the event that the Insured exhausts the Maximum Claim Limit during the Insurance Certificate Period, then the Insured
shall be obligated to subscribe for a period of twelve (12) consecutive months before submitting a new Claim. Such condition
shall not apply in case the Insured has received a benefit less than the Maximum Claim Limit (i.e., 3 months).

VI. Eligibility Conditions/ Eligibility Criteria

Subject to the Coverage Limits for each covered Worker/ Employee, the Eligibility Criteria and the Exclusions set forth
hereinbelow, as well as the other terms and conditions stipulated in this Policy, Dubai Insurance Company shall pay for its own
and on behalf of all the insurance companies that are members of the Insurance Pool, within the Coverage Limits mentioned in
this Policy, for each covered Worker/ Employee the Claim based on an application submitted by the Insured after the full
fulfilment of the following Eligibility Criteria to be eligible for the Insurance Coverage stipulated under this Policy:
1. The subscription period of the Insured to the Unemployment Insurance scheme shall not be less than twelve (12) consecutive
months, provided that there is no interruption in subscription for more than three consecutive months.
2. The Insured’s compliance with the payment of the Insurance Premium according to the agreed payment plan.
3. The Insured to prove that the Unemployment is for a reason other than resignation.
4. The Insured has not been dismissed from his work for disciplinary reasons in accordance with the provisions of the legislation
in force regulating Labour Relations in the Private Sector and Human Resources in the Federal Government.
5. Submitting the Claim within thirty (30) days from the date of the termination of the labour relationship or the settlement of
the labour complaint referred to the judiciary.
6. The Insured Worker should not have an existing complaint concerning his abscondment.
7. The Claim is not based on fraud or deception, or it becomes clear that the Employer of the Insured is a fictitious entity.

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8. The loss of work is not due to non-peaceful “labour strikes or stoppages”, whether it resulted in damage or not.
9. The Insured must be legally resident in the Country.
10. The loss of work is not based on the Country’s declaration of any of the following:
a. as a result of war, declared or undeclared, riot, insurrection, rebellion, revolution or military or usurped power, invasion, act
of foreign enemy, hostilities, civil war, or civil commotion.
b. as a result of a discharge of pollutants or a nuclear occurrence, or the radioactive, toxic, explosive or other dangerous effect
of any explosive nuclear equipment or part of that equipment.
c. directly or indirectly caused by or contributed to by or arising from biological or chemical contamination due to or arising
from terrorism.
d. as a result of a direct action by the government of the United Arab Emirates that led to the expropriation, nationalization of
the Employer or the seizure or confiscation of the Employer's assets leading to insolvency.
VII. Claims Conditions:
Submission of Claims
1. The Insured shall fill out the Claim form and submit it to the Administrator within thirty (30) days from the date of termination
of the labour relationship through the Channels approved by the Ministry of Human Resources and Emiratisation and set
out in the Policy Schedule.
2. The Insured must attach the supporting documents:
 The dismissal document indicating the date and reason for Unemployment.
 An undertaking to provide a copy of the final judicial ruling in the event of a labour lawsuit between the Worker and the
Employer.
 Any supporting documents that the Insurer may request in agreement with the Ministry of Human Resources and
Emiratisation limited to the case of the Worker claiming that the data included in the application are incorrect
(cancellation of the work permit, administrative cancellation complaint, complaints of cancellation of the work
abscondment complaint, or the labour complaint referred to the judiciary, and the Insurer may request the final judicial
ruling in labour lawsuits), or any other cases decided by the Ministry.
3. Dubai Insurance Company shall pay for its own and on behalf of the insurance companies that are members of the Insurance
Pool no later than two weeks from the date of receiving the Claim per documents that comply with the established Eligibility
Criteria, provided that the Insurer transfers the Claim Payment to the account of the Insured as determined by the Insured.

VIII. General Conditions:

a. The Insured may not assign or transfer this protection at any time to any individual, other company and/or any other
institution. The Insurance Coverage is intended solely for the covered Worker’s benefit. Nothing in this Policy shall be
construed to create or give rise to any rights against Dubai Insurance Company or any member of the Insurance Pool against
a/any third party.
b. Misrepresentation, Fraud and the Right to Rescind
This Policy excludes compensation of the covered Worker in the event that the Worker conceals or misrepresents any
material fact or circumstance in relation to the termination of the labour relationship by dismissal, or if the worker’s
responsibility to terminate the labour relationship is proven in court; in this case the Insured has the right to cancel the
Insurance Certificate.
In the event that the Worker is not eligible to the Claim and the Claim Settlement has already been paid to him, then Dubai
Insurance Company has the right, for its own and on behalf of the insurance companies that are members of the Insurance
Pool, to recover from the Worker the full amount paid, which he was not eligible to collect. This condition is subject to the
Article No. (1033) of Law No. (5) of 1985 of the Civil Transactions Law in the United Arab Emirates, which stipulates that “if
fraud or bad faith is absent, the Insurer, upon requesting the termination, must refund to the Insured the premiums paid or
the part of the premium for which the Insurer did not bear any risk.”

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c. Competent Courts and Applicable Laws: The courts of the United Arab Emirates are the competent courts to decide on any
dispute arising from the implementation of this Policy. The Policy is subject to the laws and legislation in force within the
United Arab Emirates. The adopted version is based on the Arabic language.

IX. Complaints:

a. In the event of a complaint regarding the implementation of the Policy, the Insured may take the complaint directly to the
Insurer to carry out the latter’s duty, provided that the response takes place within five working days from the date of
submitting the complaint to the Insurer in accordance with the provisions of the Policy. Furthermore, after the expiry of
that period the Insured has the right to file a complaint with the Central Bank of the United Arab Emirates.
b. The Central Bank of the United Arab Emirates shall apply the legal procedures in the event that the Insurer breaches his
obligations towards the Insured. The application of these measures shall not prejudice the right of the Insured to take legal
action against the Insurer.

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Master Policy Number:
Part II
Policy Schedule

This Master Policy is issued in accordance with the Master Service Agreement between the Ministry of Human Resources
and Emiratisation/ the Government of the United Arab Emirates, and the Insurer hereon, in respect of coverage for the
Insured Workers as set out hereunder and as per the applicable laws and regulations governing the issuance of this
insurance.

Policy Holder:

Insured/Beneficiary
Name:
Address:

Insurer
Dubai Insurance Co. psc as the Pool Manager and a Pool Member in addition to the members of the Insurance Pool:
Abu Dhabi National Takaful Insurance Company
Abu Dhabi National Insurance Company
Al Ain Ahlia Insurance Company
Emirates Insurance Company
National General Insurance Company
Orient Insurance Company
Orient Takaful Insurance Company
Oman Insurance Company

Policy Period/ Certificate Period:

Inception Date: xx/xx/xxxx
Expiry Date: 12months after the Inception Date

Subscription Period and Insurance Premium:

12 months starting from the Insurance Certificate inception date.

Insurance Premium:
Based on the Basic Salary/Wage of Insured Employee/Worker
Insurance Premium is subject to VAT if applicable

Monthly Insurance Premium Installment (AED)

o First Category: 5 AED per month if the Basic Salary/Wage is 16,000 AED or less
o Second Category: 10 AED per month if the Basic Salary/Wage is greater than 16,000 AED

Limits of coverage:
Provided that the benefit shall not exceed AED 10,000 (ten thousand dirhams) monthly for the first category, and no more
than AED 20,000) (twenty thousand dirhams) monthly for the second category, and a maximum of three months per claim,
the aggregate claim shall not exceed twelve (12) months throughout the Insured’s entire service period in the UAE labour
market.

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Claims Channels
- Insurance Pool Website
- Insurance Pool Smart application
- The call centre of the Insurance Pool
- Any other channel agreed between the Ministry and the Insurance Pool

The Policy is issued in Arabic and several other languages; In case of disagreement, the Arabic version shall prevail.

The policy is signed and delivered to the Policyholder as a binding contract by all Insurance Companies that are members
of the Insurance Pool.

Dubai Insurance Company

On behalf of the Insurance Pool